I was under the impression that when you log back in into a character that previously was left sitting in a boat on the water ...
You end up ON the water (ok) and could walk back to the shore.
That last part did not work in my case. Got the "you need swimming to cross deep water" message. And the character was firmly locked to the (deep water) tile he was standing on.
- was a character that was last used some time ago. (2 or 3 weeks perhaps) (had no swimming skill either)
- ... makes sense to just block the "login at last location" if the location in on/in water and the character has no swimming. (and with swimming skill, a "Like to take a swim?" confirmation msg-box perhaps.
(warped character back to HF)